The problem property was not originally purchased as an investment, and is I&P.

My circumstances have changed since buying the property. Originally it was purchased as my private residence in my own name, hence I incur more tax on the repayments due to distributing trust funds into my personal account.

Due to changing circumstances I now live in a different property. Which I purchased 12mths ago (and has my offset account attached), I intended to turn over the problem property when the new purchase was entered into. However I have not been able to sell it.

All the repayments together are approaching the limits of my cash flow. Especially with my company not performing as well in the previous 12mths.

I suppose the thing that concerns me is the unknown factor involved in the companies future, hence my ability to service the loans, I believe the company peaked 12mths ago, shrank quite quickly, but has stabilised in the last 6mths, as long as funding comes to the infrastructure industry then the company should continue successfully, and may indeed expand again.

So I debate within, whether to continue with the existing "poor" investment, or to sell it and reinvest in a more appropriately structured investment, or to get out of it all together and work on getting my other debts down with the extra cash flow.

1. Can I afford to hold the property to capture growth in the coming years? YES
2. What will I do if I see this property now?  IGNORE IT 
3. What other options do I have?  REINVEST or DOWNSIZE
4. How is my overall portfolio sitting?   QUITE WELL
5. Will selling conflict with my investing goals?  NO
6. Will holding conflict with my investing goals?  YES
7. If I sell, what other opportunities can I take to regain the loss quickly?  …..
8. If I hold, will this rule out other possible opportunities available now?  PROBABLY YES